Nearly One-Third of Home Loan Borrowers Now Aged Under 30 – Home Start Program Hits the Mark
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In January 2025, young people aged 18-30 accounted for 18% of housing loans, rising to over 31% by year-end. Nearly two-thirds of the housing loan market consists of borrowers under 40. Young borrowers are increasingly entering the market with lower down payments, reflecting a shift in financial behavior. The average gross wage increased by 9.7% in February 2026, boosting purchasing power. The state-supported Home Start loan program and rising housing prices contribute to this trend, with income capacity being the key factor for borrowing.